Call reports 2015
FARMERS STATE BANK OF EMDEN — 2015
What FARMERS STATE BANK OF EMDEN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 39,793,000 | 37,782,000 | 38,138,000 | 37,307,000 |
| Total loans | 10,772,000 | 10,405,000 | 10,295,000 | 12,292,000 |
| Allowance for loan losses | 68,000 | 72,000 | 75,000 | 75,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,690,000 | 25,597,000 | 25,006,000 | 23,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,162,000 | 28,517,000 | 28,789,000 | 27,701,000 |
| Interest-bearing deposits | 25,355,000 | 24,310,000 | 24,989,000 | 23,768,000 |
| Noninterest-bearing deposits | 4,807,000 | 4,207,000 | 3,800,000 | 3,933,000 |
| Equity capital | 9,009,000 | 9,071,000 | 9,124,000 | 9,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 489,000 | 720,000 | 957,000 |
| Interest expense | 22,000 | 42,000 | 61,000 | 80,000 |
| Net interest income | 227,000 | 447,000 | 659,000 | 877,000 |
| Noninterest income | 4,000 | 11,000 | 20,000 | 29,000 |
| Noninterest expense | 157,000 | 296,000 | 444,000 | 591,000 |
| Provision for loan losses | 1,000 | 5,000 | 8,000 | 8,000 |
| Pretax income | 73,000 | 157,000 | 227,000 | 307,000 |
| Income tax | 18,000 | 40,000 | 57,000 | 78,000 |
| Net income | 55,000 | 117,000 | 170,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,009,000 | 9,071,000 | 9,124,000 | 9,094,000 |
| Total capital | 9,077,000 | 9,143,000 | 9,199,000 | 9,169,000 |
| Risk-weighted assets | 19,364,000 | 18,611,000 | 18,633,000 | 19,711,000 |